Call reports 2009
CALIFORNIA PACIFIC BANK — 2009
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 78,044,000 | 77,905,000 | 79,946,000 | 73,642,000 |
| Total loans | 58,706,000 | 60,088,000 | 63,002,000 | 64,823,000 |
| Allowance for loan losses | 3,268,000 | 3,639,000 | 3,739,000 | 3,700,000 |
| Securities available for sale | 1,011,000 | 1,007,000 | 0 | 0 |
| Securities held to maturity | 817,000 | 818,000 | 818,000 | 818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,981,000 | 54,795,000 | 56,508,000 | 50,511,000 |
| Interest-bearing deposits | 34,146,000 | 37,160,000 | 36,910,000 | 32,345,000 |
| Noninterest-bearing deposits | 20,835,000 | 17,636,000 | 19,599,000 | 18,166,000 |
| Equity capital | 22,227,000 | 22,421,000 | 22,521,000 | 22,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 888,000 | 1,795,000 | 2,715,000 | 3,708,000 |
| Interest expense | 160,000 | 303,000 | 431,000 | 541,000 |
| Net interest income | 728,000 | 1,492,000 | 2,284,000 | 3,167,000 |
| Noninterest income | 159,000 | 272,000 | 377,000 | 462,000 |
| Noninterest expense | 488,000 | 1,026,000 | 1,747,000 | 2,386,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 399,000 | 738,000 | 914,000 | 1,143,000 |
| Income tax | 155,000 | 297,000 | 369,000 | 500,000 |
| Net income | 244,000 | 441,000 | 545,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,220,000 | 22,417,000 | 22,521,000 | 22,526,000 |
| Total capital | 22,970,000 | 23,210,000 | 23,362,000 | 23,370,000 |
| Risk-weighted assets | 59,786,000 | 62,109,000 | 64,411,000 | 64,724,000 |